How should I pay for a $5000 to $8000 total dental bill?

I have to get 5 teeth extracted, 10cavities removed, root canal correction and a tooth implant. If I do not get the dental work done then I probably will not see the age of 40 (I am 25). The total price will be between $5000 to $8000. I do not have dental insurance and have not gotten a consolutation yet. My biweekly paycheck is $769.95. I can try to make my biweekly paycheck $950 or more. I cannot afford the New Jersey health insurance because the cheapest insurance in New Jersey is $244.50 per month. How do I go about paying for this without help from my parents if possible?

How should I pay for a $5000 to $8000 total dental bill?
Check with your local university dental school. Most of them have programs where dental work is done by the students with licensed dentists supervising them. The school pays 80% of the bill leaving you with the other 20%.
Reply:Ask the dentist if they will set up a payment plan for you. I know my dentist does.





Also, you can get the work done in stages. Get the most important done first and then the rest as you can afford it.
Reply:See if you can go to a local dental school to get the work done, or payment plans at your current dental office. They may want a substancial dollar amount as a down payment. I am an office manager of a dental practice in WI and for the patients with your situtaion, we do payment plans with a large sum down and specific monthly payments. You should get the work done in stages as well not all at once. Im sure you could spread it out over a year or two. There is also a program in Wisonsin called Care Credit, Its a credit card (you have to have good credit though) and you pay the dental office up front and then make monthly payments to the credit card company. GOOD LUCK
Reply:At our office, Lakeland Hills Dental, Dr. Joe Jankowski offers a payment plan called, "CareCredit".





"CareCredit" allows our patients to receive their dental treament and make payments.





We offer two different plans with "CareCredit", first- interest free plans up to 6 months, the second plan can range from 24 months to 60 months, currently with an interst rate of 11.9%. There is no penalty to pre-pay.





We feel that patients need an option of payment in order to receive their treatment to achieve great oral health.





Good Luck!



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